Collaborative document creation

ABSTRACT

A method implemented on an electronic computing device includes displaying a document. An image of a person is received. The image of the person is overlaid onto at least a portion of the image of the document. One or more movements are received from the person. The image of the person is moved to indicate a specific area of the document. The movement of the image of the person to the specific area of the document is based on the one or more movements from the person.

BACKGROUND

Personal banking often requires customers to fill out one or more forms.The forms are typically used for such things as loan applications,mortgage applications, opening up a checking account, etc. Typically,customers meet face to face with a banker or other financial employeewhen filling out the forms. However, sometimes customers are required tofill out forms that they receive through the mail or that they receivein an email, or via a link on a website, etc.

Sometimes customers may be confused about certain sections of afinancial document and may not know how to answer certain questions ormay overlook certain sections that are required. When the customer fillsout the financial document outside of a bank or financial institution,for example at home, the customer may not be able to obtain help whenneeded. Even if a customer calls the bank or other financial institutionfor help or perhaps engages in an online chat with a bank employee, thecustomer may have questions or be confused about what is required. Inaddition, the bank employee may not be confident that the customer isfilling out the form correctly and completely. These situations maycause multiple iterations of passing a form from the customer to thebank employee and back to the customer, which can delay completing adesired action for the customer and can be undesirable from a customer'sperspective.

SUMMARY

Embodiments of the disclosure are directed to a method implemented on anelectronic computing device. The method comprises: on the electroniccomputing device, displaying a document; receiving an image of a person;overlaying the image of the person onto at least a portion of the imageof the document; receiving one or more movements from the person; andmoving the image of the person to indicate a specific area of thedocument, the movement of the image of the person to the specific areaof the document being based on the one or more movements from theperson.

In another aspect, a method implemented on an electronic computingdevice comprises: on the electronic computing device, displaying afinancial document, the financial document including a live image of aperson overlaid onto at least a portion of the financial document, thelive image of the person being captured by a camera remote from theelectronic computing device; allowing for selection of a writeable areaof the financial document, the writeable area being identified via theimage of the person overlaid on the financial document; receiving one ormore alphanumeric characters in the writeable area of the financialdocument; displaying the one or more alphanumeric characters in thewriteable area of the financial document; saving changes to thefinancial document; and downloading the financial document to theelectronic computing device.

In yet another aspect, an electronic computing device comprises: aprocessing unit; and system memory, the system memory includinginstructions which, when executed by the processing unit, cause theelectronic computing device to: display a financial document receivedfrom a server computer; receive an image of a person, the image of theperson being received from a camera that is focused on the person andconnected to the electronic computing device; superimpose the image ofthe person on the image of the financial document; receive one or moregestures from the person, the gestures comprising one or more of movingan arm and a hand of the person; move the document relative to the imageof the person to indicate a specific area of the financial document, themovement of the document relative to the image of the person to thespecific area of the financial document being based on the one or moregestures from the person; receive one or more additional gestures fromthe person focused on the specific area of the financial document; as aresult of the one or more additional gestures from the person, highlightthe specific area of the financial document, the highlighting of thespecific area of the financial document comprising applying a color tothe specific area of the financial document; receive data for thespecific area of the financial document from the server computer;display the data in the specific area of the financial document; anddownload a copy of the financial document from the server computer.

The details of one or more techniques are set forth in the accompanyingdrawings and the description below. Other features, objects, andadvantages of these techniques will be apparent from the description,drawings, and claims.

DESCRIPTION OF THE DRAWINGS

FIG. 1 shows an example system that may be used for collaborativedocument creation.

FIG. 2 shows an example document with an image of a banker superimposedon the document.

FIG. 3 shows an example dual-use display screen.

FIG. 4 shows example modules of an augmented reality (AR) device.

FIG. 5 shows a flowchart for an example method implemented on a clientcomputer of FIG. 1 for collaborative document creation.

FIG. 6 shows example physical components of a client computer of FIG. 1.

DETAILED DESCRIPTION

The present disclosure is directed to systems and methods forcollaborative document creation. The systems and methods permit an imageof a person to virtually appear on or adjacent to a document and directa customer in filling out sections of the document and/or filling inportions of the document for the customer at the customer's request andapproval. As used herein, an “image” of a person encompasses live imagesor video of the person. The document is typically a financial documentsuch as an application for a banking account, a loan or a mortgage. Theperson is typically an employee of a financial institution, for examplea banker. In this disclosure, the employee of the financial institutionis referred to as the banker.

Using the systems and methods, the banker and the customer may be atdifferent physical locations. For example, the banker may be located ata financial institution or other commercial place of business and thecustomer may be at home. The banker and the customer each view a virtualcopy of the document. In some embodiments, the banker and the customereach view the virtual copy of the document on two or more clientcomputers. In other embodiments, one or more of the banker and customerview the virtual copy of the document on an augmented reality (AR)device. For example, the customer can capture a physical document withhis or her AR device, and the banker can be overlaid on the document viaa display on the AR device, as described in more detail later herein.

The banker and the customer also typically have a voice connection, forexample the banker may telephone the customer or the customer maytelephone the banker or utilize Voice Over IP (VOIP) technology. Thevoice connection permits the banker to tell the customer which areas ofthe document to fill in. Alternatively, the customer and banker maycommunicate via microphones associated with their respective systems.Using the systems and methods, a computer connection permits the bankerto show the customer a specific area of the document and to visuallyobserve that the customer is filling in the correct area of thedocument. In some embodiments, such as those for customers who have beenidentified as being hearing impaired, the banker's instructions may alsobe shown on a display screen for the user via closed captioning, or thebanker or an interpreter can use sign language to relay theinstructions.

In some embodiments, a three-dimensional camera focuses on the banker.The camera is connected to the client computer for the banker. In someembodiments, the client computer includes software that integrates animage of the banker into a section of the document. The integrationsuperimposes or overlays the image of the banker adjacent to or on atleast a portion of the document. The image of the banker superimposed onthe document is sent to the server computer. When a customer obtains acopy of the document from the server computer, the customer can also seethe image of the banker superimposed on the document. In someembodiments, the image of the banker may be positioned in otherlocations, for example beside the document, instead of superimposed onthe document.

In an alternative embodiment, the customer may use a camera on an ARdevice or mobile device to capture and transmit a live image of aphysical document at the customer's location to the banker's clientcomputer. A camera at the banker's client computer can then transmit animage of the banker to the customer's AR device, either directly or viathe customer's computer. The banker's image appears in the customer's ARdevice and is virtually overlaid on the physical document when thecustomer views the physical document through the AR device. The customercan move the image of the banker relative to the document by moving theAR device relative to the document. Moving the image of the bankerrelative to the document may allow the customer to decide which portionof the document to review and revise with the assistance of the banker.

In some embodiments, the image of the document captured by the AR devicecan be converted into an editable electronic document, for example usingoptical character recognition (OCR). The image of the document can beconverted using software on the AR device, or the image of the documentcan be transmitted to another device connected to, or otherwiseassociated with, the AR device, such as the customer's client computer.The banker can move his or her image relative to or manipulate theelectronic document generated in this way, using the systems and methodsdescribed herein. The customer can use other devices connected to orotherwise associated with the AR device or client computer, such as aconnected keyboard, electronic pen, or other input device, to enter datainto the electronic version of the physical document.

In another embodiment, the customer may use a webcam to capture a liveimage of a document. An image of the banker may be overlaid on thedocument as the document, as captured by the client's webcam, isdisplayed on the customer's client computer.

In some examples, the software on the client computer for the bankerpermits certain movement or gestures of the banker to translate tocertain actions on the document. For example, when the banker moves,walks or otherwise moves laterally in front of the camera, the image ofthe banker may make a corresponding move on or relative to the image ofthe document. When the banker wants to point to a specific part of thedocument, the banker moves his/her arm or hand until one or more fingerspoint to the specific section of the document. When the superimposedimage of the banker points to the specific part of the document, thesame superimposed image of the banker pointing to the specific part ofthe document is displayed to the customer on the customer's clientcomputer. In this manner, if the customer is not clear about which areaof the document needs to be filled out, the banker can point to the areaof the document on the banker's client computer. The customer, in turn,can see where the banker is pointing on the image of the document on thecustomer's client computer.

The banker may also be able to highlight an area of the document, forexample by pointing to a specific area of the document and issuing agesture for highlighting. For example, a certain motion of the left handcombined with the banker pointing to the area of the document withhis/her right hand may cause the area of the document to be highlightedwith a color. Other methods of highlighting may be used. For example,the banker may click a highlighting button or an icon on the displayscreen before pointing to the document.

Other actions by the banker are possible. For example, when the bankermoves an arm in an upward direction the document may scroll up and whenthe banker moves the arm in a downward direction, the document mayscroll down.

When filling out a form, the customer may be asked to provide certainverification documents, for example pay stubs, W-2 forms, copies of bankstatements, etc. Using the systems and methods, the customer may be ableto take pictures of or otherwise image/scan any needed verificationdocuments, attach images of the verification documents using an attachbutton and send the images of the verification documents to servercomputer 110.

When the customer completes a document, the customer may press or clicka button on or near the document to download the completed document tothe customer's client computer. The banker may also press or click abutton on or near the document to download the completed document to thebanker's client computer or enter any data entered on the document intothe bank system for processing.

In some embodiments one or more augmented reality (AR) devices may beused instead of client computers. For example, a customer may receive abill or other document that the customer does not understand. Thecustomer may scan the bill or document with an AR device. The scanningof the bill or document may activate a software application on the ARdevice. The software application may cause the document to be sent to abanker's queue, for example an email inbox. The banker may view thedocument on an AR device that the banker may be wearing. In addition, ifthe banker has access to a three-dimensional camera and the AR deviceincludes software for integrating an image onto the document, the bankermay be able to superimpose the camera image of the banker onto thedocument. The superimposed image may in turn be viewed by customer onthe AR device of the customer.

The systems and methods are generally described for an AR device thatmay be worn or carried by a user. An example of and AR device that maybe worn by the user is an AR headset. An example of an AR device thatmay be carried by the user is a smart telephone or tablet computer thatincludes AR components such as a processor, display and camera and an ARsoftware application.

The AR headset includes a wearable computer, a camera and an opticaldisplay. The wearable computer includes a wireless telecommunicationcapability, permitting a wireless connection between the wearablecomputer and one or more server computers. The wearable computer alsoincludes voice recognition capability, permitting the user to direct thewearable computer via voice commands. In addition, in some embodiments,the wearable computer also includes biometric capability such as facialrecognition, retinal scan capability, finger print and voice printcapability. The optical display reflects projected images and alsopermits the user to see through the display.

One type of AR headset described in this disclosure is a smart glasstype of headset, similar to eyeglasses, which may be worn by the user.The user may view AR images in the glass portion of the headset. Anexample of a smart glass headset is Google Glass, from Google Inc. ofMountain View, Calif.

FIG. 1 shows an example system 100 that supports collaborative documentcreation. The example system 100 includes a banker 102, athree-dimensional camera 104, client computers 106, 108 and servercomputer 110.

Client computer 106 is a client computer at a location of the banker.The client computer 106 has a connection to server computer 110. Theconnection may be part of a corporate network or it may be a remoteconnection over a network such as the Internet. In addition the clientcomputer 106 is connected to the camera 104. The camera 104 is focusedon the banker 102. The client computer 106 includes software thatintegrates the image of the banker with an image of a document displayedon client computer 106. The document is obtained from server computer110.

Server computer 110 is a server computer associated with a financialinstitution, such as a bank. Server computer 110 stores or has access toone or more documents that may be displayed to users at client computer106 and client computer 108. For the example system 100, the documentsare typically financial documents, for example a loan application or amortgage application, an application to purchase a mutual fund, etc. Insome embodiments, server computer 110 may be a web server. In theseembodiments, the banker at client computer 106 and the customer atclient computer 108 may each sign in to a website running on the webserver in order to access the one or more documents.

Client computer 108 is a client computer of a customer. Client computer108 is typically at a location remote from that of the banker 102 andfrom server computer 110. For example, client computer 108 may be in thecustomer's home or place of employment. The customer may access a copyof the document from server computer 110. As discussed, the image of thebanker may be superimposed on the image of the document. Actions takenby the banker 102 at client computer 106 may also be viewed at clientcomputer 108. For example, when an image of the banker points to aspecific section of the document at client computer 106, the same imageof the banker pointing to the same section of the document may be usedby the customer at client computer 108.

FIG. 2 shows an example document 200 with a banker 202 superimposed onit. The document 200 includes areas 204-228. The example areas 204-228may include text, photos, drawings, and one or more edit boxes in whicha user may enter data. As shown in FIG. 2, the banker 202 is pointing toarea 214. In the document 200, area 214 is an edit box. By pointing toarea 214, the banker indicates to the customer that the customer is toenter data into the edit box in area 214. For example, the customer mayenter data such as a name, an identifier such as a social securitynumber, a monthly salary, etc. In addition, when the customer enters thedata into the area 214, the banker can view the data on the exampledocument 200 as the customer is entering it.

As discussed earlier herein, in some embodiments the banker moveslaterally, for example by walking in front of the camera. When thebanker moves laterally, the image of the banker also moves laterallyrelative to the document displayed virtually behind the banker. When thebanker wants to reach a section of a document that is above or below acurrently displayed section of the document, in some embodiments, thebanker can use gestures to scroll the document up or down until thedesired section of the document is reached. When the document isscrolled, the document moves vertically relative to the image of thebanker.

In some embodiments, a dual-use screen may be used. With a dual-usescreen, both the customer and the banker may simultaneously view imagesthat the customer and the banker see. However, with the dual-use screen,the images that the customer sees may not be the same as the images thatthe banker sees. For example, the banker may scroll to a specificsection of the document or point to a specific area of the documentwithout the scrolling or pointing being seen at the customer's clientcomputer 108. When the banker is ready for the customer to see anychanges in the image of the document, the banker may initiate an action,for example a certain type of hand gesture, to update the image of thedocument at client computer 108. In addition, certain areas of thedocument may be blocked out or redacted in some manner for privacyreasons. For example, if the customer is to enter a social securitynumber or an income amount in a specific area of the document, thebanker may point to the specific area of the document so that thecustomer can see where to enter the data, but when the customer entersthe data the actual data may be blanked out or redacted out on thebanker's image of the document. Redacting out the specific area of thedocument instead of blanking out this area permits the banker to seethat the customer has actually entered data in the correct edit box, butpreserves the privacy of the information.

FIG. 3 shows an example dual-use screen 300. In some embodiments, thedual-use display screen 300 may be displayed on client computer 106. Thedual-use display screen 300 permits the banker to see both actions bythe banker and the customer as they occur. Section 302 of the dual-usescreen 300 displays what the customer sees at client computer 108 andsection 304 of the dual-use screen 300 displays what the banker sees atclient computer 106. When the banker points to a specific area of adocument, for example text box 214, the banker sees an image of thebanker pointing to text box 214 on both sections 302 and 304 of thedual-use screen 300. When the customer starts entering data into textbox 214, the banker can view the customer entering data into text box214 on both sections 302 and 304 of the document.

The dual-uses screen 300 also permits actions on sections 302 and 304 ofthe document to occur independently of each other. For example, thebanker may scroll to a specific section of the document and the customermay simultaneously view a different section of the document. The bankermay then cause the section of the document that the banker is viewing tobe displayed to the customer. For example, the banker may use a mouseand/or gesture to move the portion of the document that the banker isviewing to section 302 of the dual-use display screen 300. Operation ofan example dual-use display screen is explained in more detail in U.S.Patent Application Ser. No. 61/954,343, “Dual-use Display Screen forFinancial Services Applications,” filed on Mar. 17, 2014, the contentsof which are incorporated entirely herein by reference.

FIG. 4 shows example modules 400 of an AR device. In some embodiments,the AR device may be used in place of client computer 106, as discussedearlier herein. The example modules 400 include a camera 402, a display404, electronics 406 and GPS software 408. The camera 402 is a camerathat is built-in to the AR device. Display 404 is a display that is alsobuilt-in to the AR device. Electronics 406 includes an electroniccomputing device with wireless capability. The wireless capability mayinclude Bluetooth, radio frequency identification (RFID) or similartypes of wireless capability. GPS software 408 is typically a softwareapplication that may be installed on the mobile electronic device. Whenthe AR device is an AR headset, camera 402, display 404, electronics 406and GPS software 408 are part of the AR headset.

FIG. 5 shows a flowchart of a method 500 implemented on client computer106 for collaborative document creation.

At operation 502, a document is displayed on a display screen of clientcomputer 106. The document is typically a financial document, forexample a loan application, a mortgage application or an application toopen a checking account. Other types of financial documents arepossible. The document is displayed to a banker at client computer 106.At the same time, the document is displayed to a bank customer at clientcomputer 108.

The document is obtained from server computer 110. For method 500,server computer 110 is a web server computer that hosts a website forthe bank. Client computers 106 and 108 each include a web browser. Insome embodiments, the banker and the customer each logon to the websiteand access the document at client computers 106 and 108, respectively.In some embodiments, the banker and customer connect via the bank'swebpage. Alternatively, an interactive session can be establishedbetween the banker and customer through other types of online meetings,such as web conferencing.

At operation 504, an image of the banker is received at client computer106. The image is obtained from a camera that is focused on the banker.The camera is also connected to client computer 106.

At operation 506, the image of the banker is overlaid on the image ofthe document on the display screen of client computer 106. The image ofthe banker is also overlaid on the image of the document on the displayscreen of client computer 108.

Client computer 106 includes software that integrates the image of thebanker with the image of the document. The image of the banker isoverlaid on the image of the document and may be moved around on thedocument as directed by the banker. The overlaid image is sent to servercomputer 110. Server computer 110 typically stores the overlaid image ofthe banker on the document and makes the overlaid image available toclient computer 108.

At operation 508, one or more movements or gestures are received fromthe banker. The movements and gestures are typically physical actions ofthe banker. For example, the banker can walk or otherwise move laterallyin front of the camera to make a corresponding change in position of theimage of the banker on the document. As another example, the banker maymove his/her arms and hands, or walk in front of the camera at thebanker's computer, to position the image of the banker on the document.As the banker moves his/her arms and hands, walks, or otherwise moves infront of the camera, at operation 510, the customer may observe theimage of the banker being moved on the display screen. The banker maymove his/her arms and hands, or walk or otherwise move, until the imageof the banker is positioned on a specific area of the document. Thepositioning is similar to adjusting a position of a cursor on a documentvia movement of a pointing device such as a mouse.

The banker may also use arm or hand gestures to scroll the document onthe display screen and to cause an area of the document to behighlighted. For example, the banker may move his/her arm in an upwarddirection to scroll the screen upward and the banker may move his/herarm in a downward direction to scroll the screen downward.Alternatively, the banker may gesture downwardly to move up in adocument (and vice versa), similar to a swipe motion on a touch screendevice to navigate a document. The listed gestures and document actionsare merely by way of example, and the banker may use other preprogrammedgestures capable of being interpreted by the camera 104 to effectuateother changes or manipulations to the collaborative document, such asdeleting text, cutting and pasting text, zooming in or out, or any otheractions that can be performed on the document. In yet other examples,the customer can be allowed to move the document, such as when thecustomer has a specific question about a portion of the document. Insuch a scenario, the customer can move to that portion of the document,and the customer and the banker can review that portion of the documentas described herein.

At operation 512, a specific area of the document is highlighted. Forexample, after the image of the banker is positioned at a specific areaof the document, the banker may use a hand gesture or other input deviceto cause the area of the document to be highlighted. When the specificarea of the document is highlighted on client computer 106, the samearea of the document is highlighted on client computer 108. In thismanner, the banker can position an image on an area of the document andhighlight the image so that the customer can easily identify the area.

At operation 514, the customer at client computer 108 enters data in thehighlighted area of the document. The data is displayed in thehighlighted area of the document so that the banker can see that thecustomer is entering the data in the correct area of the document. Thedata comprises one or more alphanumeric characters. The data maycorrespond to a name, an address, an account ID, a social securitynumber, etc.

At operation 516 changes to the document are saved. At operation 520, asaved copy of the document is downloaded from server computer 110 toclient computer 106.

As illustrated in the example of FIG. 6, the client computer 106includes at least one central processing unit (“CPU”) 602, a systemmemory 608, and a system bus 622 that couples the system memory 608 tothe CPU 602. The system memory 608 includes a random access memory(“RAM”) 610 and a read-only memory (“ROM”) 612. A basic input/outputsystem that contains the basic routines that help to transferinformation between elements within the client computer 106, such asduring startup, is stored in the ROM 612. The client computer 106further includes a mass storage device 614. The mass storage device 614is able to store software instructions and data. A central processingunit, system memory and mass storage device similar to that in FIG. 6are also included in client computer 108, server computer 110 and any ARelectronic devices that may be used in place of client computers 106 and108.

The mass storage device 614 is connected to the CPU 602 through a massstorage controller (not shown) connected to the system bus 622. The massstorage device 614 and its associated computer-readable data storagemedia provide non-volatile, non-transitory storage for the clientcomputer 106. Although the description of computer-readable data storagemedia contained herein refers to a mass storage device, such as a harddisk or solid state disk, it should be appreciated by those skilled inthe art that computer-readable data storage media can be any availablenon-transitory, physical device or article of manufacture from which thecentral display station can read data and/or instructions.

Computer-readable data storage media include volatile and non-volatile,removable and non-removable media implemented in any method ortechnology for storage of information such as computer-readable softwareinstructions, data structures, program modules or other data. Exampletypes of computer-readable data storage media include, but are notlimited to, RAM, ROM, EPROM, EEPROM, flash memory or other solid statememory technology, CD-ROMs, digital versatile discs (“DVDs”), otheroptical storage media, magnetic cassettes, magnetic tape, magnetic diskstorage or other magnetic storage devices, or any other medium which canbe used to store the desired information and which can be accessed bythe client computer 106.

According to various embodiments of the invention, the client computer106 may operate in a networked environment using logical connections toremote network devices through the network 620, such as a wirelessnetwork, the Internet, or another type of network. The client computer106 may connect to the network 620 through a network interface unit 604connected to the system bus 622. It should be appreciated that thenetwork interface unit 604 may also be utilized to connect to othertypes of networks and remote computing systems. The client computer 106also includes an input/output controller 606 for receiving andprocessing input from a number of other devices, including a touch userinterface display screen, or another type of input device. Similarly,the input/output controller 606 may provide output to a touch userinterface display screen or other type of output device.

As mentioned briefly above, the mass storage device 614 and the RAM 610of the client computer 106 can store software instructions and data. Thesoftware instructions include an operating system 618 suitable forcontrolling the operation of the client computer 106. The mass storagedevice 614 and/or the RAM 610 also store software instructions, thatwhen executed by the CPU 602, cause the client computer 106 to providethe functionality of the client computer 106 discussed in this document.For example, the mass storage device 614 and/or the RAM 610 can storesoftware instructions that, when executed by the CPU 602, cause theclient computer 106 to display received financial data on the displayscreen of the client computer 106.

The client computer 108 and server 110 can be computing devices that aresimilarly configured.

Although various embodiments are described herein, those of ordinaryskill in the art will understand that many modifications may be madethereto within the scope of the present disclosure. Accordingly, it isnot intended that the scope of the disclosure in any way be limited bythe examples provided.

What is claimed is:
 1. A method implemented on a first electroniccomputing device, the method comprising: on the first electroniccomputing device, displaying a document; receiving an image of a person;overlaying the image of the person onto at least a portion of the imageof the document; receiving one or more movements from the person; movingthe image of the person to indicate a specific area of the document, themovement of the image of the person to the specific area of the documentbeing based on the one or more movements from the person; and displayinga split screen on the first electronic computing device, a first portionof the split screen displaying the image of the person overlaid on theimage of the document, and a second portion of the split screendisplaying the image of the document as being displayed on a secondelectronic computing device, wherein, when the person points to aspecific portion of the document on the first portion of the splitscreen, the image of the document on the second portion of the splitscreen shows the person pointing to the specific portion of thedocument.
 2. The method of claim 1, wherein the one or more movementsfrom the person comprise movements in a lateral direction.
 3. The methodof claim 1, further comprising receiving one or more gestures from theperson, the one or more gestures from the person comprising one or moreof moving an arm and a hand of the person.
 4. The method of claim 3,wherein the first electronic computing device translates the movement ofthe one or more the arm and the hand of the person into a scrolling ofthe document on the first electronic computing device, the documentbeing scrolled relative to the image of the person.
 5. The method ofclaim 4, wherein the first electronic computing device translates themovement of the one or more of the arm and the hand of the person intohighlighting a portion of the document on the first electronic computingdevice.
 6. The method of claim 1, wherein the first electronic computingdevice is an augmented reality (AR) device and wherein the overlayingstep comprises displaying the image of the person on the AR device suchthat, when the document is viewed through the AR device, the image ofthe person is virtually overlaid on the document.
 7. The method of claim6, further comprising moving the document or the AR device relative tothe document such that the image of the person moves relative to thedocument on the AR device.
 8. The method of claim 1, wherein aninteractive session is established between the first electroniccomputing device and a server computer as part of a web conferencebetween the person and a customer who is reviewing the document.
 9. Themethod of claim 1, further comprising displaying data entered into thespecific portion of the document to which the person is pointing, thedata being entered at the second electronic computing device.
 10. Amethod implemented on a first electronic computing device, the methodcomprising: on the first electronic computing device, displaying afinancial document, the financial document including a live image of aperson overlaid onto at least a portion of the financial document, thelive image of the person being captured by a camera remote from thefirst electronic computing device; allowing for a selection of awriteable area of the financial document, the writeable area beingidentified via the image of the person overlaid on the financialdocument; receiving one or more alphanumeric characters in the writeablearea of the financial document; displaying the one or more alphanumericcharacters in the writeable area of the financial document; anddisplaying a split screen on the first electronic computing device,including: displaying, on a first portion of the split screen, the imageof the person overlaid on the image of the document; displaying, on asecond portion of the split screen, the image of the document as beingdisplayed on a second electronic computing device; and when the personpoints to a specific portion of the document on the first portion of thesplit screen, displaying, on the image of the document on the secondportion of the split screen, the person pointing to the specific portionof the document.
 11. The method of claim 10, wherein the writeable areaof the financial document is identified by pointing to the writeablearea by the image of the person overlaid on the financial document. 12.The method of claim 10, wherein the writeable area of the financialdocument is highlighted when the image of the person points to thewriteable area of the financial document.
 13. The method of claim 10,further comprising scrolling the financial document on the firstelectronic computing device, the financial document being scrolled as aresult of a hand gesture by the person overlaid on the financialdocument, the hand gesture of the person being visible on the financialdocument as the financial document is scrolled.
 14. The method of claim10, further comprising displaying the financial document on a dual-usescreen of the first electronic computing device, a first portion of thedual-use display screen including a portion of the financial document asviewed by an employee of a financial institution, and a second portionof the dual-use display screen including a portion of the financialdocument as viewed by a customer of the financial institution.
 15. Themethod of claim 10, wherein the financial document is displayed via anaugmented reality (AR) device and further comprising moving thefinancial document or the AR device relative to the financial documentsuch that the image of the person moves relative to the document on theAR device.
 16. The method of claim 10, wherein the financial document isdisplayed via an augmented reality (AR) device and wherein the financialdocument is an editable electronic document that is converted from animage of the financial document received at the AR device.
 17. Themethod of claim 10, wherein the financial document is displayed on thefirst electronic computing device as part of a web conference betweenthe person and a customer who is reviewing the document.
 18. A firstelectronic computing device comprising: a processing unit including aprocessor; and system memory, the system memory including instructionswhich, when executed by the processing unit, cause the first electroniccomputing device to: display a financial document received from a servercomputer; receive an image of a person, the image of the person beingreceived from a camera that is focused on the person and connected tothe first electronic computing device; superimpose the image of theperson on the image of the financial document; receive one or moregestures from the person, the gestures comprising one or more of movingan arm and a hand of the person; move the document relative to the imageof the person to indicate a specific area of the financial document, themovement of the document relative to the image of the person to thespecific area of the financial document being based on the one or moregestures from the person; receive one or more additional gestures fromthe person focused on the specific area of the financial document; as aresult of the one or more additional gestures from the person, highlightthe specific area of the financial document; receive data for thespecific area of the financial document from the server computer;display the data in the specific area of the financial document; anddisplay a split screen on the first electronic computing device, a firstportion of the split screen displaying the image of the person overlaidon the image of the document and a second portion of the split screendisplaying the image of the document as being displayed on a secondelectronic computing device, wherein, when the person points to aspecific portion of the document on the first portion of the splitscreen, the image of the document on the second portion of the splitscreen shows the person pointing to the specific portion of thedocument.